| VISA Card Rates and Terms |  |
| Rates last updated 5/4/2010 8:24:53 AM. They are subject to change without notice. |
| Platinum Visa | Classic Visa | IFB Visa | Country Visa |
| APR | 9.90% Fixed | 14.80% Fixed | 6.74% or 10.74%*** (as of 5/1/09) | 6.74% or 10.74%*** (as of 5/1/09) |
| Variable Rate | n/a | n/a | 3.49%+Prime or 7.49% + Prime*** | 3.49%+Prime or 7.49% + Prime*** |
| Balance Transfer Rate | Same as Purchase | Same as Purchase | Same as Purchase | Same as Purchase |
| Cash Advance Rate | 9.90% | 14.80% | 10.49 + Prime 13.74 (as of 5/1/09) | 10.49 + Prime 13.74 (as of 5/1/09) |
| Balance Calculation Method | Avg Daily Balance | Avg Daily Balance | Avg Daily Balance | Avg Daily Balance |
| Cash Advance Fee | 2% of the advance amount | none | 2% of the advance amount | 2% of the advance amount |
| Late Payment Fee | $25 | $25 | $30 | $30 |
| Returned Payment Fee | $20 | $20 | $25 | $25 |
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